IFSC Code of Punjab National Bank, Berhampur, Distt. Ganjam ,Oris Branch, Odisha

If you are searching for the IFSC code of Punjab National Bank, BERHAMPUR, DISTT. GANJAM ,ORIS branch in BERHAMPUR, ODISHA, this page has every detail you need. The verified IFSC code for this branch is PUNB0127100. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BERHAMPUR, DISTT. GANJAM ,ORIS branch, and detailed step-by-step guides for using the IFSC PUNB0127100 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – BERHAMPUR, DISTT. GANJAM ,ORIS is PUNB0127100. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 127100 map to this branch in BERHAMPUR, ODISHA.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Berhampur, Distt. Ganjam ,Oris branch in Berhampur, Odisha is part of this network and uses the IFSC code PUNB0127100 for all electronic settlement.

About the Berhampur, Distt. Ganjam ,Oris branch

The Berhampur, Distt. Ganjam ,Oris branch of Punjab National Bank is situated at KAMESHWARI COMPLEX. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0127100 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab National Bank's BERHAMPUR, DISTT. GANJAM ,ORIS branch came to be assigned the code PUNB0127100.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PUNB0127100, money simply cannot be routed to the BERHAMPUR, DISTT. GANJAM ,ORIS branch electronically.

How to transfer money using IFSC PUNB0127100

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC PUNB0127100 across all three.

How to use IFSC PUNB0127100 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BERHAMPUR, DISTT. GANJAM ,ORIS branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0127100.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BERHAMPUR, DISTT. GANJAM ,ORIS.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BERHAMPUR, DISTT. GANJAM ,ORIS

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BERHAMPUR, DISTT. GANJAM ,ORIS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0127100 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank BERHAMPUR, DISTT. GANJAM ,ORIS (IFSC PUNB0127100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0127100 in your mobile or internet banking app, and the money is credited to the BERHAMPUR, DISTT. GANJAM ,ORIS branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0127100 for Punjab National Bank – BERHAMPUR, DISTT. GANJAM ,ORIS, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Berhampur, Distt. Ganjam ,Oris branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC PUNB0127100

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Punjab National Bank – BERHAMPUR, DISTT. GANJAM ,ORIS is still mapped to IFSC PUNB0127100. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC PUNB0127100 and the beneficiary's account number to complete the transfer.

Account types you can open at the Berhampur, Distt. Ganjam ,Oris branch

Once you have an account at Punjab National Bank – BERHAMPUR, DISTT. GANJAM ,ORIS, the IFSC PUNB0127100 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Berhampur, Distt. Ganjam ,Oris branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC PUNB0127100

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Punjab National Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PUNB0127100 and the account number together uniquely identify the Berhampur, Distt. Ganjam ,Oris branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0127100

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BERHAMPUR, DISTT. GANJAM ,ORIS branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC PUNB0127100 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Punjab National Bank – BERHAMPUR, DISTT. GANJAM ,ORIS:

• The IFSC is exactly PUNB0127100 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Punjab National Bank as the bank name and BERHAMPUR, DISTT. GANJAM ,ORIS as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Berhampur, Distt. Ganjam ,Oris branch sits at KAMESHWARI COMPLEX. If you are travelling from outside Berhampur, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PUNB0127100 and your account number.

Verifying IFSC PUNB0127100 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PUNB0127100 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Berhampur, Distt. Ganjam ,Oris branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0127100, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0127100 belongs to Punjab National Bank's BERHAMPUR, DISTT. GANJAM ,ORIS branch, located at KAMESHWARI COMPLEX in BERHAMPUR, ODISHA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.